C
Carthage Savings and Loan, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
26.21
Leverage
Ratio
12.36
Return On
Assets
0.53%
Total
Assets
306.05M
Capital
43.93M
Total
Deposits
254.81M
Net
Income
1.21M
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Weiss Ratings Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Rating C
Asset Quality Index 9.70
Capitalization Index 10.00
Liquidity Index 0.80
Profitability Index 2.90
Stability Index 7.00
Company Info Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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FDIC Number 28942
Phone Number (315) 493-3480
Website www.carthagesavings.com
Asset Quality Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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1-Year Asset Growth 2.10%
5-Year Asset Growth 4.34%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.40%
Non-Performing Loans to Loans 0.12%
Balance Sheet Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Total Assets 306.05M
Total Deposits 254.81M
Capital and Reserves Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Capital 43.93M
Leverage Ratio 12.36
Loan Loss Reserves to Loans 0.63%
Risk-Based Capital Ratio 26.21
Liquidity Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Hot Money Ratio 28.33%
Liquidity Ratio 9.10%
Profitability Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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5-Year Return on Average Assets 0.51%
Net Income 1.21M
Net Interest Spread 2.83%
Operating Profit to Average Assets 0.63%
Overhead Efficiency Ratio 75.14%
Return on Assets 0.53%
Return on Equity 3.77%